I say GO FOR IT, if you both feel ready then that is the right time for you to have your baby you are at a good age too, don't leave it too long, i know mother's are choosing to have babies later in life these days, but I have done both and personally I think having my first child at 24 was a better choice, I now feel less tolerant and tired and so much older than all the other mother's out there,everyone is right in saying if you wait until you are financially secure, you might be waiting along time.

Yes babies do change your lives forever, but for me I did not find it such an upheavel, it was what I wanted so much, that any sacrafices I made were well worth it, and life just went on.,it really was no big deal to me.,because I was indeed mature enough and ready for it all I think.